BNS GROUP
ActiveThe file of BNS GROUP contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 0.6% (low). The 2025 annual accounts show equity of €119,761 and a net result of €13,270. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 14462 sector peers (fiscal year 2025).
Overview
What they do
Development of residential building projects
NACE 68121Real estate development NACE 41101Other building finishing work NACE 43350
1 site
How big
€407,443total assets 2025
- Staff
- 1 FTE
- Equity
- €119,761
- Profit
- €13,270
Turnover not published (abridged schema)
Who decides
Accounts filed 27 d late0 of 3 deeds read
Why 54- Limited track record+ Lower-failure-rate sector+ Annual accounts: healthy financial profilePrior bankruptcyFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability54▲+54
Solvency54▼-14
Growth52=
Track record85
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days only on tighter terms
Liquidity tight (current ratio 1.39 against 1.75 in 2024; short-term debt: 70.6% and cash: 5.4% of total assets), and 70.6% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
29.4%
Return on assets
3.3%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
27 d late
2024
119 d late
2023
29 d late
2022
247 d late
2021
59 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 96 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 31 March (4 of the last 5 filed years within 60 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Bankruptcy reversalOndernemingsrechtbank Antwerpen, afdeling Hasselt ·…
- Back to profitnet €13,270
Financials
Fiscal year 2025Total assets €407,443Profit €13,270Solvency 29.4%Liquidity 1.39
Total assets
€407,443▲ 63.9%
2021 - 2025
Net result
€13,270
2021 - 2025
Equity
€119,761▲ 12.5%
2021 - 2025
Staff (FTE)
1▼ 16.7%
2021 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€58,326-€55,751▼ 4.4%€105,621▲ 89.5%-€55,617€19,142
Net result€44,280above the sector's middle half-€40,970above the sector's middle half▼ 7.5%€79,009above the sector's middle half▲ 92.8%-€69,755below the sector's middle half€13,270within the sector's middle half
Equity€56,280within the sector's middle half-€97,237within the sector's middle half▲ 72.8%€176,246within the sector's middle half▲ 81.3%€106,491within the sector's middle half▼ 39.6%€119,761within the sector's middle half▲ 12.5%
Total assets€114,055below the sector's middle half-€161,412within the sector's middle half▲ 41.5%€254,079within the sector's middle half▲ 57.4%€248,604within the sector's middle half▼ 2.2%€407,443within the sector's middle half▲ 63.9%
Debt€57,775-€64,175▲ 11.1%€77,833▲ 21.3%€142,113▲ 82.6%€287,682▲ 102%
Working capital€53,862within the sector's middle half-€95,962within the sector's middle half▲ 78.2%€176,114above the sector's middle half▲ 83.5%€106,491within the sector's middle half▼ 39.5%€111,782above the sector's middle half▲ 5.0%
Solvency49.3%within the sector's middle half-60.2%within the sector's middle half▲ 10.9pp69.4%above the sector's middle half▲ 9.1pp42.8%within the sector's middle half▼ 26.5pp29.4%within the sector's middle half▼ 13.4pp
Current ratio1.93within the sector's middle half-2.50within the sector's middle half▲ 0.563.26above the sector's middle half▲ 0.771.75within the sector's middle half▼ 1.511.39within the sector's middle half▼ 0.36
Return on assets (ROA)38.8%above the sector's middle half-25.4%above the sector's middle half▼ 13.4pp31.1%above the sector's middle half▲ 5.7pp-28.1%below the sector's middle half▼ 59.2pp3.3%within the sector's middle half▲ 31.3pp
Staff (FTE)2-1.9▼ 5.0%2▲ 5.3%1.2▼ 40.0%1▼ 16.7%
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €19,142 after a loss of €55,617 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €407,443
Fixed assets
€7,979
Current assets
€399,464
Equity and liabilities €407,443
Equity
€119,761 ▲ 12.5%
Debt
€287,682 ▲ 102%
Debt's share of the balance-sheet total rises from 57.2% to 70.6%. Equity and debt are higher.
Key figures and ratios
Key figures and ratios
EBITDA
€20,193▲
2024 · -€55,486
Cash flow
€14,321▲
2024 · -€69,623
Debt to equity
2.40▲
2024 · 1.33
ROE
11.1%▲
2024 · -65.5%
Interest coverage
3.71▲
2024 · -11.92
Debt ≤ 1 year
€287,682▲
2024 · €142,113
Income taxes
€1,339▼
2024 · €12,519
Staff costs
€70,711▲
2024 · €54,392
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,275 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
2.5%
went bankrupt
2.5%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €2,827 | - | - |
| Remuneration, social security and pensions62 | - | €77,299 | €100,158 | €54,392 | €70,711 | ▲ 30.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,011 | €1,143 | €1,143 | €132 | €1,051 | ▲ 698% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €10,906 | - | - |
| Other operating charges640/8 | - | €2,605 | €2,922 | €5,571 | €290 | ▼ 94.8% |
| Non-recurring operating charges66A | - | - | - | €6,724 | - | - |
| Gross operating margin9900 | €89,970 | €136,798 | €209,844 | €22,107 | €91,193 | ▲ 313% |
| Operating profit (loss)9901 | €58,326 | €55,751 | €105,621 | -€55,617 | €19,142 | ▲ 134% |
| Financial income75/76B | - | €76 | €222 | €3,038 | €910 | ▼ 70.1% |
| Recurring financial income75 | €4 | €76 | €222 | €413 | €910 | ▲ 120% |
| Non-recurring financial income76B | - | - | - | €2,625 | - | - |
| Financial charges65/66B | - | €2,247 | €5,103 | €4,656 | €5,442 | ▲ 16.9% |
| Recurring financial charges65 | €2,780 | €2,247 | €5,103 | €4,656 | €5,442 | ▲ 16.9% |
| Profit (loss) for the period before taxes9903 | €55,550 | €53,580 | €100,741 | -€57,236 | €14,609 | ▲ 126% |
| Income taxes67/77 | €11,270 | €12,610 | €21,732 | €12,519 | €1,339 | ▼ 89.3% |
| Profit (loss) for the period9904 | €44,280 | €40,970 | €79,009 | -€69,755 | €13,270 | ▲ 119% |
| Profit (loss) for the period to be appropriated9905 | €44,280 | €40,970 | €79,009 | -€69,755 | €13,270 | ▲ 119% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €114,055 | €161,412 | €254,079 | €248,604 | €407,443 | ▲ 63.9% |
| Fixed assets21/28 | €2,418 | €1,275 | €132 | - | €7,979 | - |
| Tangible fixed assets22/27 | €2,418 | €1,275 | €132 | - | €7,979 | - |
| Plant, machinery and equipment23 | - | €1,275 | €132 | - | €7,979 | - |
| Current assets29/58 | €111,637 | €160,137 | €253,947 | €248,604 | €399,464 | ▲ 60.7% |
| Stocks and contracts in progress3 | - | - | - | €6,688 | - | - |
| Contracts in progress37 | - | - | - | €6,688 | - | - |
| Amounts receivable within one year40/41 | €101,705 | €145,669 | €232,553 | €220,834 | €377,311 | ▲ 70.9% |
| Trade receivables40 | - | €136,740 | €217,857 | €189,396 | €255,611 | ▲ 35.0% |
| Other amounts receivable41 | - | €8,929 | €14,696 | €31,438 | €121,700 | ▲ 287% |
| Cash at bank and in hand54/58 | €9,933 | €14,145 | €21,394 | €20,602 | €22,152 | ▲ 7.5% |
| Deferred charges and accrued income490/1 | - | €323 | - | €479 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €114,055 | €161,412 | €254,079 | €248,604 | €407,443 | ▲ 63.9% |
| Equity10/15 | €56,280 | €97,237 | €176,246 | €106,491 | €119,761 | ▲ 12.5% |
| Contributions10/11 | - | €12,000 | €12,000 | €12,000 | €12,000 | = |
| Reserves13 | €44,280 | €85,237 | €164,246 | €94,491 | €107,761 | ▲ 14.0% |
| Distributable reserves133 | - | €85,237 | €164,246 | €94,491 | €107,761 | ▲ 14.0% |
| Amounts payable17/49 | €57,775 | €64,175 | €77,833 | €142,113 | €287,682 | ▲ 102% |
| Amounts payable within one year42/48 | €57,775 | €64,175 | €77,833 | €142,113 | €287,682 | ▲ 102% |
| Trade debts44 | €39,930 | €32,412 | €15,327 | €88,228 | €246,801 | ▲ 180% |
| Suppliers440/4 | - | €32,412 | €15,327 | €88,228 | €246,801 | ▲ 180% |
| Advances received on contracts in progress46 | - | - | - | €16,433 | €12,221 | ▼ 25.6% |
| Taxes, remuneration and social security45 | - | €27,464 | €43,141 | €26,452 | €17,660 | ▼ 33.2% |
| Taxes450/3 | - | €23,880 | €35,970 | €17,174 | €6,358 | ▼ 63.0% |
| Remuneration and social security454/9 | - | €3,584 | €7,171 | €9,279 | €11,302 | ▲ 21.8% |
| Other amounts payable47/48 | - | €4,299 | €19,365 | €11,000 | €11,000 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €44,280 | €40,970 | €79,009 | -€69,755 | €13,270 | ▲ 119% |
| + Depreciation and write-downs630 | €1,011 | €1,143 | €1,143 | €132 | €1,051 | ▲ 698% |
| Operating cash flow (approximation) | €45,291 | €42,113 | €80,152 | -€69,623 | €14,321 | ▲ 121% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | €4,212 | €7,249 | -€791 | €1,550 | ▲ 296% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
INTERKAM CONSTRUCTION
BE 0698.768.501
Boutersem · Eq €119,771
J.D.W. VASTGOED
BE 1004.515.766
Gent · Eq €119,776
KERHELCO
BE 0845.394.986
Rixensart · Eq €119,722
Deman Group
BE 0794.829.876
Harelbeke · Eq €119,814
IMBOCO PROJECTS
BE 0839.600.920
Maarkedal · Eq €119,881
Of 9,695 companies in this sector we hold annual accounts for 7,393. 5,352 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
Directors
Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Insolvency mandates
2 mandates| Role | Name | Tenure |
|---|---|---|
| Curator | BERT VANDENREYT Paalsesteenweg 131, 3583 05 Beringen-Paal |
19-06-2025 → 30-06-2025 |
| Curator | ANN NOE Paals- Esteenweg 131, 3583 05 Beringen-Paal |
19-06-2025 → 30-06-2025 |
Timeline
11 eventsLatest 27-02-2026Next filing 31-01-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
04-07
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Antwerpen, afdeling Hasselt · event 30-06-2025
30-06
Financial
Back to profitnet €13,270
Net result €13,270 after one loss-making year.
25-06
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Hasselt · event 19-06-2025
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 119 days late
2024
30-06
Financial
Weakest financial yearnet -€69,755
Net result drops to -€69,755, the lowest in the series; recovery starts the following year.
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 247 days late
30-06
Financial
Highest result since 2021net €79,009 ▲92.8%
Operating result €105,621, net result €79,009, both a record.
30-06
Financial
Equity above €150,000Eq €176,246 ▲81.3%
3 profitable years in a row build equity to €176,246.
2022
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Support & recognitions
1 funding sourceFlanders €248
Flemish government
€248
awarded · 2025
Subsidies and aid
Flemish government
2025 · 1 entry · €248 awarded · €248 paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | €248 | €248 |
Company details
Private limited company · founded 11-06-2020Year ends 30-06Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded11-06-2020
Fiscal year end30-06
Activities, NACEBEL 2025
68121Development of residential building projects
43350Other building finishing work
39000Remediation activities and other waste management service activities
46831Wholesale of construction materials, general range
47529Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0748491491
Also
9925:BE0748491491
Registered
12-02-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2020
Ground area
3,528 m²
Building footprint
1,341 m²
Volume, LiDAR
1,117 m³
Parcel 71032B0468/00T000, Flanders · tallest building 12.2 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
BNS GROUP
since 2020unit no. 2.303.930.934
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032B0468/00T000 | Flanders | 3,528 m² | 1 · 1,341 m² | 12.2 m |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Go further with this company
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